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Join MIDFLORIDA Today!
Experience the benefits of credit union membership, including low fees, great rates and personalized service. Become a member and start banking smarter with us.
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New Account Bonus
score $50 when you open a free student checking account
Enjoy cash-back rewards, no monthly service fees, and managing your money right from your phone. Plus a $50 bonus.1 If only all decisions were this simple!
Get Started Online
Open at a Branch 
How to Earn Bonus
The Steps Toward Your $50 Bonus
Follow these simple steps within the first 75 days of account opening to score $50 with your new Absolutely Free Student Checking account.1 Once criteria have been met, you'll receive your bonus within 90 days of account opening.
Open Account
Open a new Absolutely Free Student Checking account online or at a branch with at least $25.
Set Up Online Access
Enroll in online banking and eStatement. Be sure to log in and accept the disclosures.
Use Debit Card
Pick up a free debit card and use it to make 5 purchases. (ATM transactions don't count.)
App Features
Banking in Your Pocket
Between practice, homework, and hanging out with friends, you don't have time for a trip to the branch. Deposit your birthday checks with a quick photo, send money to friends for a snack, and get an alert whenever your account hits a certain balance all within our mobile app.
Account Perks
Smart Money Management Tools
Take charge of your finances with these helpful features that make managing your hard-earned money easier and more rewarding.
No fees or minimums
Enjoy a free account with no monthly service fees and no minimum balance.
Direct Deposit Tool
Quickly set up direct deposit with your employer using our direct connect widget in online banking.
Instant-Issue Cards
Need a card now? Walk into any branch to apply, and if approved, walk out with a new contactless card today.
Smart Save
Round up your debit card purchases and we'll deposit the extra amount into your savings.
Free Mobile Deposit
Cash in that birthday check by depositing it within the app.
Card Controls
Lock or unlock your card instantly in the app and set alerts that help you track your spending.
Student Checking FAQs
Got questions about our Absolutely Free Student Checking account? We've got all the answers right here.
Yes, teens and young adults ages 10 to 20 can open an Absolutely Free Student Checking account. Youth ages 10 to 14 must have a parent or guardian as a joint owner, while teens 15 to 20 may open the account on their own if they meet the ID requirements.
Teens and young adults ages 14-20 can open a student checking account online. However, in most cases a young adult's identity cannot be verified online and the student is asked to visit a branch with their ID to complete the account opening process and pick up a debit card. Youth 10-13 must visit a branch to open an account.
Teens 10 to 20 years old must provide their Social Security number. A parent or guardian joint owner must provide their Social Security number and show a valid Florida driver's license, Florida ID card, or Military ID. Teens 15 to 20 opening an account on their own must provide their Social Security number and show a valid Florida driver's license, Florida ID, or Military ID. Visit our New Account Documents page for the full list of required items.
No, our Absolutely Free Student Checking account has no monthly maintenance fee.
You may receive a debit card after the proper ID requirements are provided at account opening.
Yes, parents or guardians listed as joint owners can view the account and help monitor activity through online and mobile banking. This provides helpful oversight while teens learn to manage their money.
Yes, Absolutely Free Student Checking is designed for high school and college students who want simple tools, no monthly service fees, and an easy way to manage everyday spending. It includes mobile banking, debit card rewards, and features that support smart money habits.
No, you do not have to be a student to open the account. However, you must be between 10 and 20 years old to open the account.
1. Offer valid as of April 1, 2026, and may be canceled at any time without notice. MIDFLORIDA Credit Union membership and eligibility requirements apply. See associate for terms and fees. Paper statements not routinely provided. The Absolutely Free Student Checking account is designed for members 10-20 years old. $25 minimum opening deposit required. Depending on age, the account may require a parent or guardian’s signature. Identification: Social Security number required for student; government-issued ID required for either the student or parent/guardian as joint owner to open the account and to receive a debit card. To qualify for the $50 incentive, you must open a new Absolutely Free Student Checking account, accept and open online banking, eStatement and a debit card; and complete five debit card purchase transactions which must post within the first 75 days of account opening. No dividends paid. Annual Percentage Yield is 0.00%. Limit one incentive per Social Security number. Past checking account holders and previous recipients of checking account incentives are ineligible. New account must remain open and unrestricted at least 90 days to qualify for incentive. The incentive will be deposited to new Absolutely Free Student Checking account within 90 days of account opening after the qualifications have been met, and will be reported to the IRS.
